For Real Estate Agents

Handle your buyer’s earnest money
the easy way.

Your title company partner uses ZOCCAM — and you can send your client’s earnest money deposit in about 30 seconds. No driving checks. No complicated instructions for your buyer. And no cost to you or your client.

Free for agents Free for your buyer No app to download Works in any browser
WatchSend an EMD in 30 seconds
2 min 47 sec · See exactly what you and your buyer see

Video shows an agent initiating a deposit, and the buyer receiving the text and email.

Your title company asked you to use ZOCCAM? You’re in the right place. ZOCCAM is the payment platform behind thousands of escrow deposits every month — used by your title company because it’s faster, safer, and easier for everyone, including your buyer.
How It Works for You

Two easy paths.
About 30 seconds either way.

You can initiate the deposit for your buyer — or simply forward the title company’s ZOCCAM link and let your buyer take it from there. Either works.

Either way: free for you Free for your buyer No app download
Best when: You want to set things up for your buyer — the property address, their name, and the amount are already handled before they even click the link.
1
New Deposit · send.zoccam.com
Property Address
123 Maple Street
Buyer
Sarah Johnson
Amount
$5,000.00
Send Request →
Step 1 · You

You enter the deposit information

Open send.zoccam.com in any browser. Enter the property address, your buyer’s name, phone, email, and the amount. Hit send.

2
SMS
Message now
Oak Street Title · 75205. Sarah, please complete your deposit for 123 Maple St. Secure link:
Oak Street Title 2m
Your earnest money deposit is ready to submit. Review and confirm inside.
Step 2 · Your Buyer

Your buyer gets a text and email

The message includes your title company’s name and the property’s zip code, so your buyer knows it’s legitimate. They tap the link and set up a quick account — just name, email, and phone. No app download, no password to remember.

3
Choose Payment Method
Paper Check
Electronic Check
ACH Transfer
Real-Time Pay
Submit Deposit →
Step 3 · Submit

Your buyer reviews and submits

They confirm the details, choose how to pay (paper check, electronic check, ACH, or real-time payment), and submit. Everyone gets confirmation.

Best when: Your title company has already sent you their ZOCCAM link, and you just want to pass it along. Your buyer enters the property details themselves.
1
Step 1 · You

Grab the link from your title company

Your title company will send you their branded ZOCCAM link — it’s unique to them, and their logo and name appear on the page your buyer lands on.

2
To: Sarah Johnson
Hi Sarah! Here’s the secure link from Oak Street Title to submit your earnest money 👇
zoccam.com/oak-street-title
Step 2 · You

Send it to your buyer

Text it, email it, or drop it in your usual client-comms channel. No special instructions needed — the title company’s page walks your buyer through everything.

3
Start Your Deposit
Oak Street Title
Property Address
123 Maple Str
Amount
$5,000.00
Continue →
Step 3 · Your Buyer

Your buyer enters the details and pays

They add the property address and amount, pick how to pay (paper check, electronic check, ACH, or real-time payment), review, and submit. Everyone gets confirmation.

Solving a real headache

No checkbook?
No problem.

You’ve been here before: your buyer doesn’t have a checkbook. Or left it at home. Or is traveling. Or just doesn’t have time to stop at the bank for a cashier’s check.

With ZOCCAM’s Electronic Check, they enter their bank info and sign right on their phone. No trip to the bank. No wire instructions to figure out. No delays.

  • Buyer doesn’t own a checkbook — more common than you think, especially with younger buyers.
  • Buyer is traveling — closing week, and they’re out of town? E-check works from anywhere.
  • Buyer is short on time — no driving to the bank for a cashier’s check or money order.
  • You avoid recommending a wire transfer — which is the #1 fraud vector in real estate.
ZOCCAM
SECURE E-CHECK
Check #EC-0284
Pay to
Oak Street Title, LLC
Amount
$5,000.00
Memo
123 Maple St. EMD
Signature
Sarah Johnson
Why this matters

Your client’s money deserves
a serious platform.

When you recommend ZOCCAM, you’re pointing your client to the payment infrastructure that major title underwriters and 150+ banks rely on — not a small, unregulated technology company. The platform itself is the one trusted with billions of dollars in escrow deposits every year.

450+
Title companies
use ZOCCAM as their escrow payment platform
150+
Banks integrated
for direct, secure fund transfers
$1.4B+
Processed annually
in escrow deposits for real estate closings

Funds go directly from your buyer to the title company’s escrow account. ZOCCAM never holds, routes, or touches the money — which means no intermediary, no counterparty risk, and no bank information exchanged between parties.

Two things worth knowing

Before your
buyer starts.

01

How your buyer will know it’s legitimate.

The text and email both mention your title company by name and reference the property’s zip code. If your buyer is the careful type — and many are, because wire fraud warnings are everywhere — they can always confirm with you or their title company before submitting. That’s exactly how it should work.

02

There’s no set limit on deposit size.

Standard earnest money deposits flow through automatically. For larger deposits, ZOCCAM adds an extra layer of review — a team member examines the transaction and your title company approves it before funds move to escrow. More protection, not more friction.

We collect only what’s necessary — name, email, phone — and we never sell your buyer’s information.

When you use ZOCCAM, your client is protected.

No bank account or routing information is ever exchanged between your buyer and the title company. Funds move directly from your buyer’s bank to the title company’s escrow account. And we never sell your buyer’s personal information — ever. That’s a stronger protection for your client than any wire transfer or hand-delivered check — and a meaningful part of fulfilling your duty of care as their agent.

Seller’s Agents

Recommending a title company is easier
when you know their tech works.

When you recommend a title company that uses ZOCCAM, you’re recommending a partner whose payment infrastructure is already trusted by 150+ banks and every major underwriter. Smoother closings. Fewer EMD headaches. A better experience for buyers, which reflects well on your transaction.

Support

Questions?
We’re here.

For quick questions about a specific transaction, your title company is the fastest resource — they know your workflow. For platform-level questions or technical help, reach our support team directly.

Phone and email support available Monday–Friday, 8:30am–5:30pm Central.
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